Travel Insurance

[jodiver10]

how do you find reasonable priced travel insurance with medical conditions

 

[Riverbankannie]

how do you find reasonable priced travel insurance with medical conditions

Very difficult. Depends what you call reasonable but ours is over £1000 per annum even though our conditions are stable and neither of us seen a gp or specialist in last couple of years. With Staysure.

 

[manners]

We have an annual policy with Virgin with a couple of medical conditions. 90 days cover per trip and unlimited trips per year. I think you have to have gold cover to get the 90 days. £112 for the both of us EU only

 

[Barryh]

Avanti have given us by far the lowest premium for the last couple of years.

 

[Riverbankannie]

Just to add, insurance on the car is £1100 just come in today and Petplan on a fit 4 year old dog is £1200 so maybe ours about right in today’s world.

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[pampam]

£1200 annual worldwide and cruise but will increase when i stick my newly diagnosed angina and leaky heart valves (cant remember name) on to list of hubbys ailments

 

[pampam]

Ps
With staysure

 

[GerTee]

Have a look at Just Travel. 93 days per trip, 180 days in policy duration. Will cover existing conditions. With Mr. GT’s raised BP we just renewed at circa £450 for the year.

Edit: European travel only.

 

[denisejoe]

If you've got a Nationwide Flexplus account it's worth trying that. I've recently done quotes - went with European annual and all were more expensive than worldwide through Nationwide. We both have several medical issues.

 

[Dorwyn]

Have a look at Just Travel. 93 days per trip, 180 days in policy duration. Will cover existing conditions. With Mr. GT’s raised BP we just renewed at circa £450 for the year.

What are their terms and requirements like. I was with Staysure but their questions were exacting and confusing, and seemed full of possible traps in the small print. Plus you have to go to separate underwriters who charge heavily for each referral. I'm presently with Costing too much, or similar name, but it's due up at the end of April, and I have just had a pacemaker fitted, which will knock it up more. Although the Cardiology Specialist says my heart is healthy and I should be good for a another 5 or 10 years!

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[GerTee]

What are their terms and requirements like. I was with Staysure but their questions were exacting and confusing, and seemed full of possible traps in the small print. Plus you have to go to separate underwriters who charge heavily for each referral. I'm presently with Costing too much, or similar name, but it's due up at the end of April, and I have just had a pacemaker fitted, which will knock it up more. Although the Cardiology Specialist says my heart is healthy and I should be good for an another 5 or 10 years!

Seemed fairly straightforward. I think all these companies have standard questions and algorithms which are driven by your answers. We didn’t get referred out to the underwriters so perhaps a simpler medical situation. Have a look at their website is all I can suggest.

 

[Kirsten]

I have had single trip insurance x 2 with 'Insurance With' as was still having chemo/waiting for test results/ between treatments etc. They were ok to insure , best prices as well - but the forms on line q complex as they have sep headings for medical issues - in my case some were same cause is caused by chemo not sep illness - so had to back track on some sections as had already covered that ...
The did not offer me an annual policy when I applied .

 

[Oldrat]

We were with Staysure, but their price rocketed this year so we saved a couple of hundred quid and went with Virgin.

 

[Wh05apk]

A lot of the "free" policies wouldn't include me even with additional underwriting, neither would a lot of specialist companies.
For our current 8 week trip we were quoted between &£1,500 and £2,000 from those who would cover us, found it with "insurewith" for just over ,£200. Plenty of codes around for 20% off.

 

[VXman]

Worth looking at Nationwide flex plus current account. Travel ins with Aviva. £18 per month but that does include UK/European breakdown cover too. You will pay extra for certain medical conditions but you'll need to get a quote for that.

FlexPlus | Packaged bank account | Nationwide

Open a FlexPlus current account, a packaged bank account with travel insurance, breakdown recovery and mobile phone cover.

www.nationwide.co.uk

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[Dorwyn]

For our current 8 week trip we were quoted between &£1,500 and £2,000 from those who would cover us, found it with "insurewith" for just over ,£200. Plenty of codes around for 20% off.

That's cheap! Euro tunnel own insurance was looking reasonable, but only for the one trip. I've always preferred annual, but at over £1000 last year, perhaps I'll just do it in tranches as required.

 

[Riverbankannie]

That's cheap! Euro tunnel own insurance was looking reasonable, but only for the one trip. I've always preferred annual, but at over £1000 last year, perhaps I'll just do it in tranches as required.

Recommended that to our daughter today but new T&Cs require taking it out at the time of booking the Eurotunnel and didn’t include Eurostar travel.

 

[Dorwyn]

Recommended that to our daughter today but new T&Cs require taking it out at the time of booking the Eurotunnel and didn’t include Eurostar travel.

Yes, I've got Tesco vouchers for about a third of the quoted 3 weeks tour, that's why I might go for it on Euro tunnel, sorry, le Shuttle, this time. Now I've got some more life!!

 

[Wh05apk]

That's cheap! Euro tunnel own insurance was looking reasonable, but only for the one trip. I've always preferred annual, but at over £1000 last year, perhaps I'll just do it in tranches as required.

Ironically the annual policy would have been £165, so much cheaper but would only allow trips up to 31 days.

 

[denisejoe]

Recommended that to our daughter today but new T&Cs require taking it out at the time of booking the Eurotunnel and didn’t include Eurostar travel.

They're not new T&Cs Riverbankannie as I was told that about 5 years ago when I tried to take the insurance out at a later date.

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[jimbow]

Try Total Travel Protection. Far better price wise than Aviva (Nationwide) and no age restrictions. We got 94 days for just over £480 and £178 for 38 days in summer. I did try Aviva and they wanted £181 simply for a couple of minor medical issues, never mind what they wanted for 38 days.

 

[Mala1951]

Just to add, insurance on the car is £1100 just come in today and Petplan on a fit 4 year old dog is £1200 so maybe ours about right in today’s world.

i would query that with petplan my dog is 14 years old with a couple of conditions and his is £656.75

 

[Dart]

It is worth asking the Co-op for a quotation. We have an annual policy with them, both of us have declared medical conditions and paid £264 for a joint policy last May. We chose their mid priced "silver" policy which allows 45 days away per trip but could have opted for more. They give 10% discount for Co=op members (it only costs £1 to join).

 

[pampam]

Can i just mention that staysure recompensed for january holiday we had booked and paid for,that we couldnt take because of diagnosis of didgy heart in december,they paid quickly and it would have been quicker if i hadnt had to wait a month for doctors letter (£50)

 

[discokid]

how do you find reasonable priced travel insurance with medical conditions

Insurance companies use a generic list of questions about health conditions (rather like car insurance companies do). There is hardly any room to specify in detail about a particular health condition; not all have the same impact on lifestyle. Try Just Travel who recognise this "catch-all" questioning and probe a little bit further to ascertain health risk. They did feature a while back on a radio consumer programme about their new approach to health insurance.

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[Andysal]

I have had single trip insurance x 2 with 'Insurance With' as was still having chemo/waiting for test results/ between treatments etc. They were ok to insure , best prices as well - but the forms on line q complex as they have sep headings for medical issues - in my case some were same cause is caused by chemo not sep illness - so had to back track on some sections as had already covered that ...
The did not offer me an annual policy when I applied .

If you're doing any sports or adventurous activities then Sportscover Direct are really good for covering pre existing conditions.

 

[BRND]

how do you find reasonable priced travel insurance with medical conditions

I did a search on gocompare and ended up with Insure and Go for £700 which included the USA and cruising with some medical issues. I tried Staysure but they were over £1000

 

[nelson8217]

how do you find reasonable priced travel insurance with medical conditions

If it's for personal and motorhome insurance I use CAMC Red Pennant as they only have about 6 questions and seem reasonably priced and paid out quickly when my wife had a minor heart attack and we had to cancel our winter holiday in Spain.
All we can suggest is to shop around and wish you luck!
(It would help if the prices quoted showed the actual cost from the insurance company and the broker's premium separately as some of the prices are ridiculous)

 

[Chajane]

how do you find reasonable priced travel insurance with medical conditions

If your a member of the Carvan and Motor home Club they do a Red Pennant policy that will cover both you and Motor Home.